Compare Savings Accounts

We offer a variety of savings accounts, each with its own unique benefits and characteristics. Compare them to help you choose which one best fits your needs. Enjoy the following features included with all of our savings account options:

  • Online Banking
  • Mobile Banking1
  • Email & Text Alerts1
  • Direct Deposit
  • E-Statements
  • Automatic Savings Plan
  • Telephone Banking
  • 24/7 ATM Access2

  Rewards Saver Account3

Open Account

Liberty Savings Account

Open Account

Money Market Savings Account

Open Account

Minor Savings Account

Open Account

Christmas Club Savings Account

Open Account

Minimum Opening Deposit $1.00 $100.00 $2,500.00 $1.00 None
Minimum Required Balance to Avoid Service Charge None $100.00 $2,500.00 None None
Interest Bearing
(Tiered interest structure based on balance)

(Tiered interest structure based on balance)
Monthly Service Fee None $1.00 (Only if minimum required balance falls below $100.00 any day of the statement cycle) $7.50 (Only if minimum required balance falls below $2,500.00 any day of the statement cycle) None None
ATM Card with 24/7 ATM Access2
Transaction Limits8 Up to 6 debit transactions allowed per calendar month4 Up to 6 debit transactions allowed per calendar month5 Up to 6 debit transactions allowed per calendar month6 Up to 6 debit transactions allowed per calendar month5 One automatic withdrawal every November 1st7

1 Your cellular provider’s data and text messaging rates may apply. Additional fees also apply for Mobile Deposit. 2 Fees may be assessed by ATM machines not owned by United Community Banks.  3 You must have a Rewards Checking with Saver Account in order to open a Rewards Saver Account. The Interest Rate and Annual Percentage Yields (APYs) that apply to each monthly statement cycle will be determined based on meeting the qualification criteria for your Rewards Checking with Saver Account. The Rewards Saver APYs may be less than the Rewards Checking with Saver APYs. Additional qualifications, limits, and restrictions apply. Please see a banker for complete program details. 4 A $1.00 fee will be charged for each debit transaction in excess of six per statement cycle. 5 A $2.00 fee will be charged for each debit transaction in excess of six per month. 6 A $7.50 fee will be charged for each debit transaction in excess of six per statement cycle.  7 Any other withdrawals will require bank approval. If a withdrawal is approved, interest accrued on the amount withdrawn will be forfeited. See a banker for details. 8 Specific transaction limits may apply. See a banker for details.

Save Automatically!

Remember to “pay yourself first” by setting up an automatic savings plan. It’s free, it’s easy, and best of all it adds up! Consider setting aside as little as $25 each week to be automatically deposited into your savings account.

You can start an automatic savings plan at the bank or check with your employer about setting up automatic payroll deposits. Have a little extra one week? Before it burns a hole in your pocket, use online or mobile banking1 to transfer it to your savings account right away.